Civic Intelligence

Rappahannock Benevolent Fund Inc.

990EZ • Fiscal year 2017 • EIN 81-1798549

Jan 01, 2017 to Dec 31, 2017 • Filed on Jun 09, 2018

Organization Profilewww.rappbenfund.org
PO Box 133Washington, VA 22747

(540) 675-3446

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

56th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2017 filings • 501(c)3 • <$500k nonprofits • Source year 2017

Liabilities / Revenue

56th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2017 filings • 501(c)3 • <$500k nonprofits • Source year 2017

Net Margin

92nd percentile

51%

Higher net margin than 92% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Source year 2017

Top Officer Pay

76th percentile

$0

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2017 filings • 501(c)3 • <$500k nonprofits • Source year 2017

Asset Growth

89th percentile

83%

Faster asset growth than 89% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Annualized from 2016 to 2017

Revenue Growth

28th percentile

-15%

Faster revenue growth than 28% of similar nonprofits.

2017 filings • 501(c)3 • <$500k nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets56th percentile

Assets

Up

$173,615

Up $78,621 (+83%) from 2016

Net Assets

Up

$173,615

Up $78,621 (+83%) from 2016

Liabilities

Flat

$0

Flat from 2016

Revenue And Expenses
Liabilities / Revenue56th percentileNet Margin92nd percentile

Revenue

Down

$154,801

Down $27,656 (-15%) from 2016

Expenses

Down

$76,180

Down $11,283 (-13%) from 2016

Net Income

Down

$78,621

Down $16,373 (-17%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth89th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$600K$400K$200K$0Assets 2016: $94,994Liabilities 2016: $0Net Assets 2016: $94,9942016Assets 2017: $173,615Liabilities 2017: $0Net Assets 2017: $173,6152017Assets 2018: $157,286Liabilities 2018: $0Net Assets 2018: $157,2862018Assets 2019: $100,054Liabilities 2019: $0Net Assets 2019: $100,0542019Assets 2020: $238,300Liabilities 2020: $0Net Assets 2020: $238,3002020Assets 2021: $171,783Liabilities 2021: $0Net Assets 2021: $171,7832021Assets 2022: $165,606Liabilities 2022: $0Net Assets 2022: $165,6062022Assets 2023: $249,993Liabilities 2023: $277Net Assets 2023: $249,7162023Assets 2024: $421,357Liabilities 2024: $4,735Net Assets 2024: $416,6222024

Highlighted filing

2017

Assets$173,615
Liabilities$0
Net Assets$173,615
Open 2017 Filing

Operations Trend

Revenue Growth28th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$800K$600K$400K$200K$0-$200KRevenue 2016: $182,457Expenses 2016: $87,463Net Income 2016: $94,9942016Revenue 2017: $154,801Expenses 2017: $76,180Net Income 2017: $78,6212017Revenue 2018: $168,946Expenses 2018: $185,275Net Income 2018: -$16,3292018Revenue 2019: $108,522Expenses 2019: $165,754Net Income 2019: -$57,2322019Revenue 2020: $331,923Expenses 2020: $193,678Net Income 2020: $138,2452020Revenue 2021: $205,743Expenses 2021: $272,260Net Income 2021: -$66,5172021Revenue 2022: $277,705Expenses 2022: $283,882Net Income 2022: -$6,1772022Revenue 2023: $395,758Expenses 2023: $311,649Net Income 2023: $84,1092023Revenue 2024: $641,790Expenses 2024: $475,333Net Income 2024: $166,4572024

Highlighted filing

2017

Revenue$154,801
Expenses$76,180
Net Income$78,621
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Jun 9, 2018
Return Version
2017v2.0
Gross Receipts
$154,801
Mission and Program Overview

Mission

The rappahannock benevolent fund serves those with emergency needs in the county. This is done by providing electrical, plumbing, fuel, and rental assistance and prevents disasterous family events such as eviction or utility shut-off. The fund also may provide critical home repairs when safety is at issue. In addition, the fund may install wheelchair ramps or other accces for disabled people. The fund has also paid for automobile repair assistance to help a family breadwinner maintain employment.

The Rappahannock Benevolent Fund was organized exclusively for charitable and educational purposes. It was established to serve the needy of Rappahannock County, Virginia. The purposes are to reduce poverty and assist low-income individuals by: providing assistance to families and individuals with short-term emergency needs for which no government or non-government programs are available; by creating economic, educational and other opportunities; and by educating the public on issues of poverty.

Program Services

DescriptionGrantsExpenses
Provide financial assistance to needy individuals and families who have bills for food, housing, medical, transportation and other needs. Payments are made directly to the suppliers of goods and services. About 100 families (including single-person families) were served in 2017.$56,123$0
Assist non-related programs that also help our client population. In 2017, we set aside $25,000 to start a new program, "Safe and Healthy Homes" which will help citizens of Rappahannock County with limited incomes to make their homes a safe and healthy place to live.$25,000$0
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Horace H GrinnellDirector, ChairPT$0--
Jon HeddlestonDirectorPT$0--
Walt ChildressDirectorPT$0--
Sharon PyneDirector-$0--
Bette MahoneyDirector, TreasurerPT$0--
H Miller HunterDirectorPT$0--
Juliet Del GrossoKey EmployeePT$0--
Filing and Contact Details

Filer

Filer Name
Rappahannock Benevolent Fund
EIN
81-1798549
Phone
5406753446
Address
PO Box 133, Washington, VA 22747

Signing Officer

Name
Bette Mahoney
Title
Treasurer
Phone
5406753446
Signed
2018-06-09
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 10

“Two types of grants are made: First, Individual Grants which help the needy with requirements for assistance paying housing, electrical, transportation, medical, and other needs. Payments are made directly to the suppliers of goods and services ($56,123). Second, Community Grants are made to other organizations which help the needy of Rappahannock County but are not direct individual grants ($12,801).”

Form 990-EZ, Part I, Line 16

“Description;Amount^Insurance;270|Dinner Expenses;6569|Accounting Fees;38|Travel;142^Total;7019^”

Raw XML Appendix181 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990EZ/ActivitiesNotPreviouslyRptInd00
IRS990EZ/BenefitsPaidToOrForMembersAmt00
IRS990EZ/BooksInCareOfDetail/PersonNm0Bette Mahoney
IRS990EZ/BooksInCareOfDetail/PhoneNum05406753446
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO Box 133
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Washington
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0VA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd022747
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt094994
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0173615
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/ContributionsGiftsGrantsEtcAmt0154444
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/EngagedInExcessBenefitTransInd00
IRS990EZ/ExcessOrDeficitForYearAmt078621
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt00
IRS990EZ/FiledScheduleAInd01
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form1120PolFiledInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt094994
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0173615
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GamingGrossIncomeAmt00
IRS990EZ/GrantsAndSimilarAmountsPaidAmt068924
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt0154801
IRS990EZ/GrossSalesOfInventoryAmt00
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt0357
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/LobbyingActivitiesInd00
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MembershipDuesAmt00
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt094994
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0173615
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt094994
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0173615
IRS990EZ/OccupancyRentUtltsAndMaintAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt05
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt15
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt25
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt33
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt410
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt55
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt67
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Horace H Grinnell
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Jon Heddleston
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Walt Childress
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Sharon Pyne
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4Bette Mahoney
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5H Miller Hunter
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6Juliet Del Grosso
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Director, Chair
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Director, Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6Key Employee
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherAssetsTotalDetail/BOYAmt00
IRS990EZ/OtherAssetsTotalDetail/EOYAmt00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt07019
IRS990EZ/OtherRevenueTotalAmt00
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0The Rappahannock Benevolent Fund was organized exclusively for charitable and educational purposes. It was established to serve the needy of Rappahannock County, Virginia. The purposes are to reduce poverty and assist low-income individuals by: providing assistance to families and individuals with short-term emergency needs for which no government or non-government programs are available; by creating economic, educational and other opportunities; and by educating the public on issues of poverty.
IRS990EZ/PrintingPublicationsPostageAmt0237
IRS990EZ/ProgramServiceRevenueAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Provide financial assistance to needy individuals and families who have bills for food, housing, medical, transportation and other needs. Payments are made directly to the suppliers of goods and services. About 100 families (including single-person families) were served in 2017.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1Assist non-related programs that also help our client population. In 2017, we set aside $25,000 to start a new program, "Safe and Healthy Homes" which will help citizens of Rappahannock County with limited incomes to make their homes a safe and healthy place to live.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt056123
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt125000
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt10
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/SalariesOtherCompEmplBnftAmt00
IRS990EZ/SaleOfAssetsGrossAmt00
IRS990EZ/SchoolOperatingInd00
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0VA
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt076180
IRS990EZ/TotalProgramServiceExpensesAmt00
IRS990EZ/TotalRevenueAmt0154801
IRS990EZ/TransactionWithControlEntInd00
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0http://www.rappbenfund.org/
IRS990ScheduleA/First5Years170Ind0X
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0154444
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0182405
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0336849
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/CurrentTaxYearAmt00
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt052
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt052
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt00
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/OtherIncome170Grp/TotalAmt00
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportTotal170Amt0251849
IRS990ScheduleA/SubstantialContributorsTotAmt085000
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0154444
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0182405
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0336849
IRS990ScheduleA/TotalSupportAmt0336901
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/CurrentTaxYearMinus1YearAmt00
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Two types of grants are made: First, Individual Grants which help the needy with requirements for assistance paying housing, electrical, transportation, medical, and other needs. Payments are made directly to the suppliers of goods and services ($56,123). Second, Community Grants are made to other organizations which help the needy of Rappahannock County but are not direct individual grants ($12,801).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Description;Amount^Insurance;270|Dinner Expenses;6569|Accounting Fees;38|Travel;142^Total;7019^
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990-EZ, Part I, Line 10
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990-EZ, Part I, Line 16
ReasonableCauseExplanation/ExplanationTxt02017 IRS Form 8868 was accepted on 4/23/2018.
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Bette Mahoney
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum05406753446
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-06-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Rappahannock Benevolent Fund
ReturnHeader/Filer/BusinessNameControlTxt0RAPP
ReturnHeader/Filer/EIN0811798549
ReturnHeader/Filer/PhoneNum05406753446
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 133
ReturnHeader/Filer/USAddress/CityNm0Washington
ReturnHeader/Filer/USAddress/StateAbbreviationCd0VA
ReturnHeader/Filer/USAddress/ZIPCd022747
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt066.102.238.117
ReturnHeader/ReturnTs02018-06-09T15:10:51-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$173,615
Liabilities
$0
Net assets
$173,615
Revenue
$154,801
Expenses
$76,180
Net income
$78,621
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.21$0.05$4.17$6.42$4.75$1.66
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.50$0.00$2.50$3.96$3.12$0.84
2022Detailed filing. Detailed filing data is available for this year.$1.66$0.00$1.66$2.78$2.84$0.06
2021Detailed filing. Detailed filing data is available for this year.$1.72$0.00$1.72$2.06$2.72$0.67
2020Detailed filing. Detailed filing data is available for this year.$2.38$0.00$2.38$3.32$1.94$1.38
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.00$0.00$1.00$1.09$1.66$0.57
2018Detailed filing. Detailed filing data is available for this year.$1.57$0.00$1.57$1.69$1.85$0.16
2017Detailed filing. Detailed filing data is available for this year.$1.74$0.00$1.74$1.55$0.76$0.79
2016Detailed filing. Detailed filing data is available for this year.$0.95$0.00$0.95$1.82$0.87$0.95